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 YOUR FUNDS ARE SAFE WITH US! Click here to find out more information.

               Year-End Certificate Special:

          3 Month Certificate-

           4.20%APR  4.28%APY

Hurry in today and get this great 3 Month Certificate Rate.

                      *Offer may end without notice. 

Welcome to your internet banking resource! 

You asked - We listened - E-Statements are now available!

  Sign into Home Banking and enroll now to start receiving your

E-Statements.

 IRA REMINDER:

The credit union offers higher rates on IRA CD's, call or check the rate page on the web site for current rates.

Your Credit Union has both Traditional and Roth IRAs.  If you are under the age of 50, your contribution limit is $5,000 for tax year 2008.  If you are age 50 or older, your limit increases to $6,000 for tax year 2008.  Stop in the credit union office for answers to your IRA questions. 

 FDIC E-MAIL FRAUD ALERT

Although the FDIC does not cover account insurance for credit unions, members may still receive this phishing e-mail and believe it to be true.  The e-mail asks "Who is FDIC?" and "What can FDIC do for you?"  It warns against identity theft and states that the FDIC is presenting a new card insurance which can restore you up to $500.00 if you are a victim of Internet Fraud.  The e-mail directs recipients to click on a link to be redirected to "an on-line sign-up page for this program."

This email is a fraudulent attempt to obtain personal information.  Do Not access the link provided within the body of the e-mail,  This e-mail should be deleted immediately.

Preventing Fraud Tips:  

Do not give out your personal information, account, card or PIN number on the phone or e-mail.  Please contact the credit union office if you think you have been scammed.

Every 79 seconds a thief steals an identity.  Protect your identity with our new monitoring service.  To learn more click the following link:  AlertMe.

To learn more about Identity Theft click the following link:Identity Theft

To learn more about Stay Safe On-line click the following link:Stay Safe

Would you like a copy of your free credit report?  If so, you can request one free copy annually byclicking the following link: www.annualcreditreport.com

                                                                                  Home Banking

 There is no fee to sign up or to use the Home Banking system.  You can get an application from either office to sign up, you will given a temporary Security Code either in person, via email or regular mail.  When you are able to sign onto the system, please change your security code.  It can only be in number form and must be eight digits long.  Remember if you have any questions, please call the credit union.  We are here for you and we THANK YOU for choosing YOUR credit union!

Kid's Corner

Do you have a SEED Account?  If not your parents or grandparents can open one today.  SEED stands for Students Earning Excellent Dividends.  If you make a deposit into your SEED Account or open a New SEED Account, your name will go into a quarterly drawing. You are eligible to open a SEED Account as long as you have not graduated from high school or are under the age of 18.  Please contact the credit union for further information. 

                          Oswego Heritage Federal Credit Union serves:

Davis-Standard LLC; a Black Clawson Division           C&C Metal Fabrications

SUNY Oswego Employees                                              Auxiliary Services

Research Foundation                                                       Riverview Business Park

Help! Small Business Solutions                                      Liz's Place & More

Battle Island Watercraft "N" Stuff                                    Oswego County Historical Society  

Blue Moon Grill                                                                 LBC Construction

Redneck RC, LLC                                                           Law Office of Attorney Dennis Hawthorne Jr.

The City of Fulton                                                             Noble's Flower Gallery

Raponi Plumbing & Heating

We are honored to serve our membership group for the past 55 years.  We can meet your needs with our varied products and services.  Check out our website, stop in and introduce yourself, call or email if we can help you in anyway.  On behalf of our Board of Directors and staff, we thank you for visiting and choosing us as your financial institution.

Closed Holidays:   

Tuesday, January 1st - New Years Day                                                     

Monday, January 21st - Martin Luther King, Jr. Day            

Monday, February 18th - President's Day                           

Monday, May 26th - Memorial Day

Friday, July 4th - Independence Day                            Click here to access Yahoo

Monday, September 1st - Labor Day                            Click here to accessSharenet ATM Locations

Monday, October 13th - Columbus Day                                   Click here to access Google

Tuesday, November 11th - Veterans Day               

Thursday, November 27th - Thanksgiving Day

Thursday, December 25th - Christmas Day

Closing Early:

Wednesday, December 24th @ 1:00pm - Christmas Eve

Wednesday, December 31st @ 1:00pm - New Year's Eve